Dearborn Heights Offers Interest-Free Loans For Owner-Occupied Homes Damaged By Flood – Press & Guide
The City of Dearborn Heights Residential Rehabilitation Program uses funds from the Department of Housing and Urban Development to deliver an assistance program for low and moderate income residents based on the city’s rehabilitation standards.
Funding from these loans can be used to make flood-related repairs not covered by FEMA or Wayne County assistance programs.
Mayor Bill Bazzi said the loan program should help residents who otherwise wouldn’t have gotten the help they needed.
Residents are eligible if:
• They own and occupy their home
• They meet the income eligibility criteria
• All municipal and county taxes, water bills and mortgage payments (if applicable) are paid to date on the property
This is a zero interest deferred loan that is only payable in full when the home is vacated, sold, rented or refinanced. A lien will be placed on the property for the loan amount. No credit or equity check is required to qualify for this loan.
For more information on the City’s Residential Rehabilitation Program Loan, see the program’s website at http://www.ci.dearborn-heights.mi.us/residents/community_and_economic_development.php or contact the city’s Community and Economic Development Department at 313-791-3500 or [email protected]
Resources offered by Wayne County
Wayne County is also offering financial assistance to residents affected by the June flooding. The funding will support residents by covering damages and costs that were not covered by FEMA or private property insurance.
This grant is intended to cover the costs of material goods and personal effects, such as rugs, sofas, drywall and food. This grant can be used to cover contract labor if the applicant can provide detailed quotes or receipts from their contractor. Wayne County residents have until September 21 to apply.
The eligibility conditions include:
• The property for which the applicant is applying must be located in Wayne County, excluding the city of Detroit.
• The property must be residential property
• The damage must be due to the meteorological events of June 25 and 26
• Applicants must have applied for FEMA assistance to be eligible for Flood Relief Grant funding.
Applicants for the Wayne County grant will need to provide the following information:
•Proof of address
• FEMA application number
• Photos of damaged objects
• Insurance claim documents (if applicable)
• Detailed quote and / or receipt for the work of the contractor (if applicable)
For more information on the Wayne County program, including an online application, visit bit.ly/waynefloodrelief.
FEMA Still Offers Help
Time is running out for people who suffered flood damage in the June storms / floods to seek FEMA disaster assistance.
“In my July 4 letter to the President, I called for a swift and thorough response to assist residents and business owners in our city for both immediate disaster relief and government assistance. federal government to find a long-term solution to our chronic flooding problem. “said Bazzi.” I am grateful that under the President’s leadership we have seen such a rapid response, and I look forward to their insight and support to help resolve this persistent and devastating problem.
The last day the organization will accept registrations / requests for disaster assistance is October 13th. People wishing to apply for financial assistance can do so up to the deadline at the latest:
Apply by phone, by dialing: 1-800-621-3362
Callers will need the following information:
• Address and postal code
• General condition of the damaged house
• Insurance information, if available
•Social Security number
• Phone number where the caller can be contacted
• Address where the caller can receive mail, or e-mail address to receive electronic notifications
Applications can be submitted online at Disaster Assistance.gov or through the free FEMA phone app.
Once registered, a FEMA registration number will be provided and is required whenever FEMA is contacted for tracking information.
Once approved, disaster assistance funds can be sent directly to a person’s bank account by direct deposit.